Encompass Car Insurance Discounts [2024]
Encompass car insurance discounts include senior, good student, and safety feature discounts. If you have homeowner's insurance, the Encompass car insurance discount for bundling may save you 20%.
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Alexandra Arcand
Insurance and Finance Writer
Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...
Insurance and Finance Writer
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Encompass offers many types of insurance policies
- You may be eligible for several car insurance discounts through Encompass
- This company has received stable financial ratings
This article will discuss Encompass Insurance, as well as Encompass car insurance discounts. Encompass is a national insurance company that offers its products through a number of independent insurance representatives.
Along with auto insurance, Encompass Insurance offers a number of insurance products to cover you for all of your needs.
Choosing an insurance company is an important decision. Encompass focuses on treating customers as an individual rather than as just a policy.
They are committed to providing great customer service and dedicated to helping you get through the process of filing a claim smoothly and efficiently.
You can compare car insurance quotes right now just by entering your ZIP code in the box provided.
Encompass Insurance Products
Encompass Insurance offers a number of options for coverage to help support your financial security. One of its products is homeowners insurance. This is available with three levels of coverage:
- Special – Special coverage allows for more flexible limits and goes above and beyond standard policies.
- Deluxe – The deluxe coverage for homeowners includes the special coverages plus replacement cost for the items of your home and other things.
- Elite – The elite policy contains everything that the special and deluxe options offer, as well as additional coverages.
If you have a business that is based out of your home, you may be surprised that your homeowners coverage may not be enough to cover your losses.
Encompass helps bridge this gap by offering Home Work Insurance.
This supplemental insurance can help cover you if you have a client who experiences an injury in your home, you are traveling and your laptop is stolen, or there is a fire and your home office is ruined, resulting in lost data records and important papers.
To help you protect some of your fun vehicles, Encompass Insurance offers motorcycle and boat insurance. Encompass also offers insurance for identity fraud. This coverage pays you up to $20,000 to help cover expenses that occur from having your identity stolen.
Car insurance is a popular product and you have the flexible option of choosing from different levels of coverage–three, to be exact.
Encompass also offers liability limits that are higher than a lot of other insurance companies. To help you save money, the company offers a number of discounts.
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Encompass Insurance Discounts
Encompass Insurance is focused on helping you save money and, as a result, it offers a variety of discounts. With your auto insurance policy, an assortment of driving discounts are available.
- Senior – Encompass offers discounted rates for senior drivers.
- Good Student – If you are a young driver, you can pay less for your car insurance premiums if you perform well academically.
- Loss-free – If you have been driving for awhile and have not reported a loss or accident for a certain period of time, you may be eligible for a loss-free discount from Encompass.
- Accident forgiveness – Also, if you have an accident for the first time, Encompass will usually forgive you and not jack up your rates as a punishment.
- Safety features – If you have certain safety equipment in your car, you are also eligible for a discount on your insurance.
If you have homeowners insurance through Encompass Insurance, you are eligible for some discounts as well. If you have devices for protective use in your home you may save money. These may include:
- Fire extinguishers
- Burglar alarms
- Fire alarms
These can save you almost 20%.
Depending on the state in which you live, you may receive a discount for owning a newer home.
This may save you between 15% and 20% on your homeowners premium.
You also will receive a discount of 2% to 10% when you have more than one policy through Encompass Insurance.
Encompass Insurance Financial Ratings
When you choose an insurance company it is important to take a look at its financial ratings and outlook. This can give you an idea of whether the company is able to pay claims; both current ones and those that could be filed in the future.
A company that has a low rating may be too unstable to cover all of its financial obligations.
There are a number of companies that underwrite the products from Encompass Insurance. The ratings for these companies range from A- (excellent) to A+ (superior). To see more details about their financial standings, you can check out A.M. Best.
If you are interested in comparing car insurance rates for companies in your area, you can just fill in your ZIP code below right now.
Case Studies: Encompass Car Insurance Discounts in Action
Case Study 1: Senior Discount
Mr. Johnson, a retired individual, was looking for ways to save on his car insurance premiums. He contacted Encompass and discovered that he qualified for their senior discount. By taking advantage of this discount, Mr. Johnson was able to reduce his annual premium by 10%.
Case Study 2: Good Student Discount
Emily, a high school student, maintained excellent grades throughout her academic career. When she started driving, her parents sought out car insurance options that offered discounts for good students. They chose Encompass and were delighted to receive a good student discount of 15% on Emily’s car insurance policy.
Case Study 3: Safety Feature Discount
The Thompson family recently purchased a new car equipped with advanced safety features such as automatic emergency braking and lane departure warning. When they insured their vehicle with Encompass, they learned about the safety feature discount. This discount helped them save 8% on their car insurance premium, providing them with peace of mind and financial savings.
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Frequently Asked Questions
What discounts are available for Encompass car insurance policyholders?
Encompass offers various discounts to its car insurance policyholders, including but not limited to:
- Safe Driver Discount: If you maintain a good driving record without any accidents or violations, you may be eligible for this discount.
- Multi-Policy Discount: If you have multiple insurance policies with Encompass, such as home and auto, you can qualify for a discount on your car insurance.
- Multi-Car Discount: If you insure multiple vehicles under the same Encompass policy, you may receive a discount.
- Good Student Discount: Full-time students who maintain a certain grade point average (GPA) can avail themselves of this discount.
- Safety Features Discount: If your car is equipped with safety features like anti-lock brakes, airbags, or an anti-theft system, you may be eligible for this discount.
- Pay-in-Full Discount: If you choose to pay your car insurance premium in full upfront, you can receive a discount.
- Electronic Funds Transfer (EFT) Discount: Enrolling in automatic payments via EFT can qualify you for this discount.
How can I find out which discounts I qualify for?
To determine the discounts you are eligible for, it is best to contact an Encompass insurance agent or customer service representative. They will assess your situation and provide you with information on the available discounts that apply to you.
Can I combine multiple discounts on my Encompass car insurance policy?
Yes, Encompass allows you to stack multiple discounts, provided they are applicable to your policy. For example, if you qualify for both a safe driver discount and a multi-car discount, you can enjoy the benefits of both discounts on your premium.
Are there any discounts for inexperienced or young drivers?
Encompass offers a Good Student Discount, which is specifically designed for full-time students who maintain good grades. However, the availability of discounts for inexperienced or young drivers may vary based on factors such as location and driving history. It is recommended to speak with an Encompass representative to explore the available options.
Are there any loyalty rewards or discounts for long-term Encompass policyholders?
Encompass values long-term customer relationships and may offer loyalty rewards or discounts to policyholders who have been insured with them for an extended period. These rewards and discounts can vary, so it’s advisable to inquire with Encompass directly about any loyalty programs they may have.
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Alexandra Arcand
Insurance and Finance Writer
Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.